JLMCS Funding — Real Estate Investor Calculators
Pick a transaction. Fix & Flip is live. DSCR and New Construction coming next.

Step 1: Project Details

Estimated value after renovation; used as exit price.
Your contract price to acquire the property.
Total planned renovations (hard + soft as needed).
Anticipated length of the bridge loan.

Step 2: Lender & Project Terms

Typical range 65–75% of ARV.
Typical range 80–90% of (PP + RB).
Common 10–13% for flips.
Total points (lender + broker if any).
Commissions, seller credits, staging, etc.
For interest & carry estimates.

Insurance & Carry (Estimates)

Flip: PP + RB (default). Rental: replacement cost.

Step 3: Your Funding Summary

Total Project Cost (PP + RB)$0
Potential Loan based on ARV (ARV × Cap)$0
Potential Loan based on Project Cost (LTC × (PP + RB))$0
Maximum Potential Loan$0
Estimated Origination Points Paid$0
Estimated Monthly Interest Payment$0
Total Estimated Interest Paid$0
Estimated Selling Costs$0

Your Estimated Cash to Close / Receive

$0
Positive = cash needed at close. Negative = cash back at close (rare; subject to lender rules).

Estimated Project ROI

0.0%

Estimated Net Profit

$0

Important Considerations

  • Cash Needed at Closing: Down payment + origination points + lender flat fees + appraisal + title/escrow estimate + first month of insurance. (Rehab holdback gap is needed during the project, not necessarily at closing.)
  • Estimated Net Profit: Calculates after acquisition, rehab, loan interest, carry (taxes, insurance, utilities), draw fees, and selling costs.
  • Estimated Project ROI: Profit ÷ cash invested (cash to close + any unfunded rehab). Interest/carry are counted in project costs but not in the denominator.
  • Other Closing Costs: Budget separately for local transfer taxes, attorney fees, HOA/condo transfers, or lender legal if applicable.
  • Accuracy & Due Diligence: Results depend on your ARV, rehab budget, rates, and hold time. Always verify quotes with licensed providers.
  • Contingency: Keep a 10–15% reserve on rehab for surprises; lines of credit often cover this.
  • Timing Risk: Going past the hold/loan term increases total interest and carry.
Automated assumptions used in Step 2
  • Loan sizing: Lower of LTC × (PP + RB) and ARV × Cap. Rehab is held back; purchase is funded first.
  • Interest: Interest-only on the full loan commitment (conservative). Monthly = loan × rate ÷ 12; Total = monthly × term.
  • Points: % of total loan amount (paid at close).
  • Lender Flat Fees: Underwriting, processing/admin, doc prep, credit/flood, wires (legal may be added for complex/attorney-close deals).
  • Title/Escrow estimate: Owner (0.40% of PP) + Lender (0.30% of loan) + Endorsements (10% of lender policy) + $800 base (edit in code for your market).
  • Insurance: Annual rate × insured value (shown monthly). Flip default uses PP + RB.
  • Taxes & Utilities: Taxes = PP × rate ÷ 12; utilities are your monthly estimate.
  • Draws: Draw count ≈ one per $25k of rehab; total draw fees = count × per-draw amount.
  • Selling costs: % of ARV (commissions, seller credits, staging, etc.).
All financing placed through licensed lenders. This tool is for estimates only.